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end or teather
Junior Member
United Kingdom
254 Posts |
 Posted - 29 September 2008 : 17:20:48
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Hi,
Phoned the coop today, opened a cashminder account no problem, phoned the court and got an appointment for 4th November, got to fill in the forms now so may need some help.
Thanks. |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 29 September 2008 : 19:54:08
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Hi endorteather,
Thank goodness you have your coop account sorted and also your date.
Try filling the forms in online, if you dont have the link have a look at my blog its on there.
Good luck and ask away.
Jo x
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
For links to help with Bankruptcy, useful web pages and also a run down of my new debt free life, both before and after Bankruptcy, then please visit my blog:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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end or teather
Junior Member
United Kingdom
254 Posts |
Posted - 29 September 2008 : 19:59:31
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Hi Needafriend,
Thanks for the reply, i don't know if i should have told the coop bank i was going BR, but he did say the welcome pack will be with me in a few days and to ring if i have any questions, maybe i should mention it then, what do you think ?. |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 29 September 2008 : 20:12:34
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Hi endorteather
glad you got it sorted ok - you will have details and card through in no time
I told them on the phone that i was planning to and they said thanks for letting them know - very friendly i must say, especially after what i have been used to
xx
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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end or teather
Junior Member
United Kingdom
254 Posts |
Posted - 29 September 2008 : 20:23:34
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Hi, Now i have got an appointment date for BR, if i get phone calls from creditors is it advisable to tell them that i am going BR ?,
Thanks |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 29 September 2008 : 20:26:43
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I have only today started to tell my creditors when they ring and they usually say "ok thanks for letting me know" and put the phone down - its a really weird feeling after all the hassle i have been getting.
I suppose it depends how brave you are feeling when they ring
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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end or teather
Junior Member
United Kingdom
254 Posts |
Posted - 29 September 2008 : 20:31:47
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Hi,
What i was thinking about was can they do anything untill i go BR. |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 29 September 2008 : 20:35:21
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I have been thinking exactly the same thing - but just went for it today and told them (my thoughts were even if it went belly up, id still be buying myself some time). Im just very cynical though.
Im not sure if and what creditors may be able to do if thats what you mean, sorry
xx
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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end or teather
Junior Member
United Kingdom
254 Posts |
Posted - 29 September 2008 : 22:46:58
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Hi Moneyworries,
thanks for your reply, i was talking to a friend who knows someone who had a letter from the bailiffs to say they would be coming to the house on a stated date, he then got a date for BR, phoned the bailifs office and told them, they said ok we will put your file to one side and let us know how you get on, maybe one of the experts will be along soon and shed more light on this. |
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BankruptC
Senior Member
1030 Posts |
Posted - 29 September 2008 : 22:59:24
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Hi end of tether,
We told our creditors of our intention from just less than 2 months before our BR. They didn't have time to do anything serious and the worst we got was a default notice. We found it stopped them hassling us as much. Most just asked for the date of our BR and said they'd be in touch then. A couple said they'd still ring every few days but that was fine too, and it made it easier when they did phone. We just said 'check your notes' and they usually even apologised for ringing!
C. x |
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end or teather
Junior Member
United Kingdom
254 Posts |
Posted - 29 September 2008 : 23:15:54
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Hi BankruptC,
Thanks for your reply, i must say you have put my mind at rest, it's bad enough going through BR, without the nasty phone calls which i find must be bordering harassment, which there is a law against ( although i am no expert ),
Thanks. |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 30 September 2008 : 07:29:15
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Hi Endorteather,
I on the other hand told no one, i did ask my credit companies to allow me 2 months to et myself sorted then i would be in contact again, in that time which was around 6 weeks we had our court date, but i still did not tell them not until we came out of the court.
I am a worrier and until i had the piece of paper to back up what i had informed them (If i had told them my intentions of going BR) and i would have panicked if it had not gone though.
Good luck, and take care.
Jo x
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
For links to help with Bankruptcy, useful web pages and also a run down of my new debt free life, both before and after Bankruptcy, then please visit my blog:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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eamonn
Junior Member
320 Posts |
Posted - 30 September 2008 : 12:51:14
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hi
i told my creditors about 2months before my br date and most of them said just let us know when it has gone through which i did and i must admit i kind of enjoyed telling the one creditor who had still kept pestering me with phone calls, mostly i found it stopped a lot of hassle from the creditors |
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it's on the go
